diff --git a/bills.py b/bills.py
index 8cf7291..bd7c379 100644
--- a/bills.py
+++ b/bills.py
@@ -429,17 +429,20 @@ def derive_ann_growth( bill_type, bill_info ):
                 max_growth = growth
     # data to work with
     if count:
+        # strt with 0, set it if we can below
+        simple_growth=0
         if simple_first_yr != simple_last_yr:
             # calculate a simple growth with full year consecutive totals -> last - first / years
             simple_growth=( ((total[simple_last_yr]-total[simple_first_yr])/(simple_last_yr-simple_first_yr)) / total[simple_first_yr] )*100.0
         else:
             # calculate a simple growth based on last - first / years - only 1 consecutive year I guess, so can't use it, use real first/last
-            if bill_info[bill_type]['first_bill_year'] != bill_info[bill_type]['last_real_bill_year']:
+            if bill_info[bill_type]['first_bill_year'] != bill_info[bill_type]['last_real_bill_year'] and bill_info[bill_type]['first_bill_year'] in total and bill_info[bill_type]['last_real_bill_year'] in total:
                 simple_growth=( ((total[bill_info[bill_type]['last_real_bill_year']]-total[bill_info[bill_type]['first_bill_year']])/(bill_info[bill_type]['last_real_bill_year']-bill_info[bill_type]['first_bill_year'])) / total[bill_info[bill_type]['first_bill_year']] )*100.0
         set_bill_type_growth( bill_type, min_growth, avg_growth/count, max_growth, simple_growth )
     else:
         # okay use last - first / years to get a simple_growth, just need bills from different years
-        if bill_info[bill_type]['first_bill_year'] != bill_info[bill_type]['last_real_bill_year']:
+        # if there are totals for them (may not be set with monthly and < 12 bills in 1st year)
+        if bill_info[bill_type]['first_bill_year'] != bill_info[bill_type]['last_real_bill_year'] and bill_info[bill_type]['first_bill_year'] in total and bill_info[bill_type]['last_real_bill_year'] in total:
             simple_growth=( ((total[bill_info[bill_type]['last_real_bill_year']]-total[bill_info[bill_type]['first_bill_year']])/(bill_info[bill_type]['last_real_bill_year']-bill_info[bill_type]['first_bill_year'])) / total[bill_info[bill_type]['first_bill_year']] )*100.0
             set_bill_type_growth( bill_type, 0, 0, 0, simple_growth )
         else: